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Old Point Financial Corp.

  • Market Cap: Micro Cap
  • Industry: Major Banks
  • ISIN: US6801941070
USD
42.10
0.94 (2.28%)

Aug 29

NAS

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  • News and Corporate Actions
  • Key factors
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  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

40.7042.43

52 Week

18.7542.67
Valuation
Technical
Day's Volume

CASH

205.96 k

Shareholding (Mar 2025)

FII

0.41%

Held by 10 FIIs

DII

93.88%

Held by 6 DIIs

Promoter

0.00%

What does Old Point Financial Corp. do?

22-Jun-2025

Old Point Financial Corporation is a holding company in the Major Banks industry, offering banking and wealth management services. As of March 2025, it reported net sales of $17 million and a net profit of $2 million, with a market cap of $202.11 million.

Overview:<BR>Old Point Financial Corporation is a holding company that operates in the Major Banks industry, providing banking and wealth management services through its subsidiaries.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025)<BR>Market-cap: USD 202.11 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 20.00<BR>Dividend Yield: 1.40%<BR>Debt Equity: 0.00<BR>Return on Equity: 8.67%<BR>Price to Book: 1.72<BR><BR>Contact Details:<BR>Address: 1 W Mellen St, HAMPTON VA: 23663-2305<BR>Tel: 1 757 7281876<BR>Website: https://oldpoint.com/

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Who are in the management team of Old Point Financial Corp.?

22-Jun-2025

As of March 2022, the management team of Old Point Financial Corp. includes Chairman Robert Shuford, Executive Vice President Joseph Witt, Lead Independent Director Arthur Greene, Directors John Ishon and Stephen Adams, and Independent Director James Chisman. They oversee the company's strategic direction and operations.

As of March 2022, the management team of Old Point Financial Corp. includes the following individuals:<BR><BR>- Mr. Robert Shuford, who serves as the Chairman of the Board.<BR>- Mr. Joseph Witt, who is the Executive Vice President of Financial Services and also a Director.<BR>- Dr. Arthur Greene, who holds the position of Lead Independent Director.<BR>- Mr. John Ishon, who is a Director.<BR>- Mr. Robert Shuford, who is also listed as a Director.<BR>- Mr. Stephen Adams, who serves as an Independent Director.<BR>- Mr. James Chisman, who is also an Independent Director.<BR><BR>This team is responsible for overseeing the company's strategic direction and operations.

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Is Old Point Financial Corp. technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is not enough technical data on Old Point Financial Corp. to determine if it is bullish or bearish.

As of 1 October 2023, the technical data for Old Point Financial Corp. is insufficient to form a view on whether it is bullish or bearish.

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Is Old Point Financial Corp. overvalued or undervalued?

25-Jun-2025

As of October 15, 2023, Old Point Financial Corp. is considered an attractive investment due to its undervaluation, with a P/E ratio of 12.5 and a P/B ratio of 1.1, outperforming peers like TowneBank and Atlantic Union Bankshares, indicating strong growth potential.

As of 15 October 2023, Old Point Financial Corp. has moved from fair to attractive based on recent analysis. The company is currently undervalued, presenting a compelling investment opportunity. Key ratios include a price-to-earnings (P/E) ratio of 12.5, a price-to-book (P/B) ratio of 1.1, and a return on equity (ROE) of 10%. <BR><BR>When compared to peers such as TowneBank with a P/E of 14.0 and Atlantic Union Bankshares with a P/B of 1.5, Old Point Financial Corp. shows a more favorable valuation. This suggests that the market has not fully recognized the company's potential, which is further underscored by its recent stock performance relative to the Sensex, indicating a positive outlook for future growth.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 5.50%

 
2

Strong Long Term Fundamental Strength with a 7.49% CAGR growth in Net Profits

 
3

The company has declared Positive results for the last 3 consecutive quarters

4

With ROA of 0.54%, it has a fair valuation with a 1.72 Price to Book Value

5

High Institutional Holdings at 39.72%

6

Market Beating Performance

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 216 Million (Micro Cap)

stock-summary
P/E

20.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

97.16%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

8.15%

stock-summary
Price to Book

1.83

Revenue and Profits:
Net Sales:
18 Million
(Quarterly Results - Jun 2025)
Net Profit:
1 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
5.51%
0%
5.51%
6 Months
37.18%
0%
37.18%
1 Year
123.34%
0%
123.34%
2 Years
134.31%
0%
134.31%
3 Years
79.0%
0%
79.0%
4 Years
92.06%
0%
92.06%
5 Years
169.01%
0%
169.01%

Old Point Financial Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Icon
No Recent News for the Company
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
12.37%
EBIT Growth (5y)
11.48%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
29.83%
Pledged Shares
0
Institutional Holding
39.72%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.72
EV to EBIT
13.18
EV to EBITDA
10.52
EV to Capital Employed
2.81
EV to Sales
1.80
PEG Ratio
0.34
Dividend Yield
1.05%
ROCE (Latest)
21.32%
ROE (Latest)
8.67%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 7 Schemes (5.71%)

Foreign Institutions

Held by 10 Foreign Institutions (0.41%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "btn_text": "All Quarterly Results",
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  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Old Point Financial Corp."
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stock-summaryCompany CV
About Old Point Financial Corp. stock-summary
stock-summary
Old Point Financial Corp.
Major Banks
Old Point Financial Corporation is a holding company that conducts all of its operations through two subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Trust). The Company operates in three principal business segments: the Bank, the Trust and the Parent. The Company is the parent company of Trust and the Bank. The Bank is an independent community bank. The Bank had approximately 18 branch offices serving the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County and Isle of Wight County. The Bank offers a complete line of consumer, mortgage and business banking services, including loan, deposit and cash management services. The Bank offers a range of deposit and loan products to its retail and commercial customers. The Trust is a nationally chartered trust company and is wealth management services provider.
Company Coordinates stock-summary
Company Details
1 W Mellen St , HAMPTON VA : 23663-2305
stock-summary
Tel: 1 757 7281876
stock-summary
https://oldpoint.com/
stock-summary
Registrar Details
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